an earthquake and maybe prosthetics and how we can think about the inner play between the nervous system of the animals and the mechanics of their body. >> understanding how the body works in terms of its physical and nervous system is a first step. the researchers hope to bring extraordinary abilities to a new generation of keep your doctor as long as your doctor keeps your network. and how a small mistake from your past could come back and haunt your credit score. i'm ali velshi. this is "real money."

♪ >> this is "real money." you are the most important part of the show so join our live conversation for the next half hour by using this handle @aj real money. despite your lack of confidence, hear me out and then decide. we found out that new home sales jump 21.6% compared to last year. this comes with a high margin of error, even sow it so, it shows that the housing market has some legs to it. newly constructed homes make up 10% of the overall housing market. most homes are used. but unlike those existing homes, new home construction creates a lot of jobs. and according to a new report by

adp, the private sector added 18,000 new construction jobs to the economy in november. this is important. because of the 9 million jobs lost in the last recession, more of a million of them were lost in the housing an construction sectors alone. so housing is important to this nation. newly constructed homes increase the demand in others ways. carpenter, lumber, furnishes, throw in the additional spending that home buyers lavish on home improvement, furniture and appliances. you get the picture. each home creates three more jobs for a year. now let's step away. that same adp private sectors

job report showed that 215,000 new jobs from added to the economy in november. that's a big jump on previous months with almost half of those jobs added by small businesses. now, usually these adp numbers are an arrest bin injury of what is to come in the molly government job jobs report on friday. let's hope. we need to create jobs. we should be creating create 200,000 new jobs. i've been optimistic about these numbers. the stock market is going gang busters. now we see job numbers that are good and hopeful.

am i being too optimistic? being too optimistic. factor activities. picking up. we're seeing ryaning seeing --it's by forecation whe bby for casewhen you come out. president obama had these statements. >> since 1979 our economy has more than doubled in size. but most of that growth has flowed to a fortunate few. the top 10% no longer takes in one-third of our income. it now takes half.

whereas in the past the average ceo made 20 to 30 times the income of the average worker, today ceo now makes 273 times more. meanwhile, the family in the top 1% have a net worth of 288 times higher than the typical family, which is a record for this country. >> carl, if that's true and those numbers are out there, it's not really a screen of the type of economy that sustains as it is over time because it's a weakening of the middle class. >> that is a problem, and there is the stretching of the middle class. the arctics to any particular well, and then the longer term trend like the tax code. but the immediate cycle right know, you see low quality job

creation in the early faces of the cycle. that's endemic. the reason for that is it was the low quality jobs that tended to be shed during the that time. >> we've really seen manufacturing jobs which are really strong middle class jobs that can get you i in better houses. we have better health workers. can we sustain with these service oriented jobs as opposed to more valuable jobs? >> the economy has shifted gears, and

the gdp is stabilizing. this weaker policy engineer by the fed. >> this is a productivity issue because manufacturing dollar value increases. it's manufacturing worker and manufactures more than it did in 1979. >> absolutely. there has been productivity increase, but what we see in the cycle may seem counter institute i have. productivity has stalled. it is 5. you may think that's bad news for the economy. over the long run that's true but in first lo but low productivity growth is an omen. >> good to see you.

six big global banks accused of colluding to create line libor, setting the interest rate from everything, student loans to credit cards. citibank will play another $95 million as part of the settlement. as debated for three years now the rule could be a harsh reality for wall street. they're expected to pass a stricter version of the letter to keep from making speculative trades. they can't use your fossed mountain or cheaper borrowed money for trading.

i have a full plate today but as we get close for next tuesday i'm going to make sure that we explain the control rule to you. doctor, doctor, why won't you take my obama insurance. why many physicians fear obama will hurt their bottom line and they've decided not to participate. and then pay your damn parking tickets. we'll have that story when we return. >> this isn't a new channel, this is a watershed moment in media for america. >> this entire region is utterly devastated. >> people our here are struggling. >> the fire jumped the highway we took earlier. >> your average viewer want's to actually understand how the health care law is going to help them or hurt them. >> they know they can get extremist bickering somewhere else. >> people say that we're revolutionary. our revolution is just going back to doing the best in journalism. >> this is the place to go watch high quality journalism, period.

>> more than 29 the thousand americans enrolled in health plans over the weekend. that's more people than during the entire month of october. on tuesday, healthcare.gov had more than 150,000 online visitors. but that does not mean that they could all sign up. the insurance companies express concern about the website's back end which may not be transmitting all the data that they need. doctors are on healthcare's front lines. for many years we've heard them steering clear from family practices to earn more as specialist.

the median pay for a family physician $123,000. in 2004, $131,000. and in 2011, $165,000. ceos are the only ones on that list who do not wheele wield scalpels. the average doctor's sallies is $165,000. is that fair? boy, i should have thought that through. tell me what you think by tweeting by. and no, i'm not here to tell what you fair is. doctors are under great pressure

from the insurance companies and government to lower costs and become more efficient. that's why physicians are worried about what obamacare means to them. as enrollment ramps up and educated expanded problems are looming for millions of people getting covered. doctors may not take their insurance. we found out why. >> if you like your doctor you can keep your doctor so long as your doctor keeps you. the new health law has many physicians wondering if they'll be able to keep their self-insured patients or accept new one who is are insured through the exchange or medicaid patients. >> a lot of more will be covered through medicaid because it's the biggest part of the expansion in the affordable care

act. >> that's a problem for doctors as millions get covered and the new health law. >> at the end of the day it comes down to how much will i be papped and will i have the autonomy to practice the way i want to practice. for instance, sam, a brooklyn based ophthalmologist said that private insurance for a full eye examine will reimburse him at rates of $150. medicare pays him $145. but medicaid only pays $63. obamacare is supposed to bump up those payments for two years, but the process has been rife with delays. >> in new york, they have to triple.

>> and even though private insurance companies are selling plans on the obama exchanges, doctors remain ambivalent about whether they'll even take the insurance. in new york, 44% of physicians plan on sitting out. the first year. and roughly four in ten physicians say they're still weighing their options. >> the majority of doctors are in the middle. most doctors are very happy that uninsured people will be insured care. from this standpoint more doctors are on board. the difficulties-- >> those difficulties boil down to money. 30% of doctors who were notified of new reimbursement rates on the exchanges said that those payments would be lower than medicare. lower payments to positions is

one way of making the new plans affordable. many of the new plans also carry higher out of pocket costs which can read extra hurdles trying to correct and that could leave insurance companies on the hook for the costs. >> many are not going to be advise us of what the deductible is ahead of time so the doctor cannot collect the deductible until deductible inadvance. he has to built patient and then hope the patient it ca can pay it. >> that may not happen in the healthcare costs are already putting pressure on their bottom line. >> they have doctors worried about paying their insurance cops as millions of new people get insurance. i want to look at

at this. michael entery, you saw him in the story. he's a professor at columbia university. what is the net implication. right now if i have insurance i can go to a doctor where they accept all insurance. i can get a doctor who accepts my insurance or go to doctors that explain no insurance whatsoever. what will change as a result of obamacare. >> number one, a lot of folks are going to go on to medicaid as a result of this expansion. let me tell you, even today, even before the aca folks in medicaid have a trouble finding a doctor because reimbursement rates are very low. most people go to the commune health center or health clinic.

not very good access for those folks and the medicaid folks, i think it's the aim solely story. >> for other folks there is always a percentage of doctors who don't want to take some insurance or only so man . >> there is a couple of trends going on here. number one, we have a physician shortage in this country. that's one trend. so there is a big debate to do about that shortage. should we train new doctors? expand medical school enrollment, get more doctors in the workforce, or, or, conversely should we try to get more nurse practitioners, physician assists. who is going to see the patient in the future. i think they'll see nurse practitioners

. >> some might find that trouble some, but it can work very well. >> you have to have a specialist, the doctor, the backup, but i think it could work. >> you heard that they won't tell us what the copay it "s," we'll collect it later. when you look at what obamacare is going to do overi'm you have to imagine that those will work themselves. >> this not all about the aca. do you remember in the 1990s where managed care. what happened? there was a consumer backlash and provider backlash and those insurance companies loosened up, opened up and there was direct access again. a lot of insurance companies

today they're nervous. they're nervous how much money they're going to make on this deal, the mix of patients we have. maybe they should have a tight, network. maybe we should pray a little bit less. may we should deal with the cost issue that way. that means some consumers are going to be find when that their doc is not in the insurance plan that you want. >> thank you for joining us. >> thank you very much. >> how to pay your bills on type, and how you can still mess up your credit score. >> fault lines investigates... fracking >> shale gas development could actually double the economic growth rates in the province. >> this is our land for thousands of years... >> do you drink money? you must have a lot of money to drink... >> as tensions rise, and protests turn violent,

where will the debate lead? >> the situation was no longer peaceful or safe... >> they were bashing my head with their boots... they had their guns on me and everything.... >> how much more real can this get? >> fault lines only on al jazeera america

>> and now, a techknow minute...

>> if you think that paying your credit card and other bills are all that matters to keep your credit score where you want it, think again. an un paid market ticket or over due library books can knock a hundred points off your credit score. one man found that out a hard way. >> only march parked his car here every thursday when he played basketball with his friend. he said the traffic cops were

brutal when it came to the meters. >> my time expired at 7:00 p.m. and it was 7:02, he'll have written me a ticket at 7:01. it's always the same guy. >> same guy or not omar racked up $1,000 in parking tickets. one was for having a crooked car registration sticker. after he contested and lost, omar had enough. >> i stop paying them. i thought the wors worst-case scenario i would have problem registering my car in d.c. which i wasn't planning on doing. i was wrong. >> omar was wrong because registering his car was the at least of his problems. last winter he went to a loan officer to apply for a mortgage. he believed his credit score was strong. >> my credit score dropped over

100 points because of the parking tickets. i went from 600 to low 600s. >> unpaid parking tickets are considered debt. when they can't check they turn that debt over to a collection agency. the collection agency reports it to the credit bureaus. there are so many areas of non-trillion traditional credit that people don't equate to the credit score but it can. >> reporter: credit expert say many people don't realize when they don't pay a fine to a municipality or government for something like a parking ticket, speeding ticket or overdue library book it goes through the same process of any other unpaid bill. you'll be warned. if you continue to turn a blind eye they turn it to a credit agency. >> it's the presence of that unpaid collection that really

has a negative impact. >> that impact can be big. >> one single late payment on your credit record can hurt your credit score by as many 50 to 100 points. that comes as a shock to a lot of people. it's just an one time event. i'm dinged so severely? the truth is yes. even mall bills likelie likelier bills or parking tickets need to be handled on time. if you receive a notice, the first thing you need to do is pull your credit report. you can get a free copy once a year at www.annualcreditreport.com. the complaint will show up in your credit report under a section called derogatory remarks. if you find an error or you paid the bill and it still showing

up, dispute the report. the three credit reporting companies have areas where you can dispute challenges. >> the neighborhood i originally went and looked at, the prices went up for three months. that's why i don't have a house right now. >> still paying the price for not paying for his parking tickets. >> the fictional anchor man ron burgundy has a part-time job and it's paying off in real dollars for chrysler. >> on my right is a new dodge durango. on my left is one horse. with one hundred horsepower. it makes you feel pretty dumb. this thing is 365 360 times more powerful than you.

there you have it. 360 times better than you. >> the clips are posted on youtube where they've wracked up 15 million hits. it's a win-win for chrysler and paramount studios which releases anchor man two. i'm unclear why anyone would buy a car because of that add. i take my job of making sense of factors and figures very seriously. but every once in a while the federal reserve does us all a favor and speaks in plain english and gives us the beige book. today's report had a few interesting

tidbits. hiring picked up. and atlantic merchants were only mildly optimistic. in cleveland and st. louis dealers picked up suv and cross over sales while lower gas prices prompted drivers to shift away from fuel efficient vehicles and the broadway shows helped the new york economy. and prospects of a snow y cold winter mines it will cost you more to book a room in mid-atlantic ski areas. sometimes it's nice to hear about the economy in plain english. how you were thes are changing healthcare by one smart phone at a time. i'm ali velshi, thanks for watching. ♪

hello, welcome to al jazeera america. i'm thomas drayton, with a look at the top stories tonight. >> meanwhile the family in the top 1% has a net words 288 times higher than the typical family, which is a record for this country. >> the president warns the country's income gap is threatening the american dream. a solution would be an increase in the minimum wage. >> tens of thousands of fast-food workers will walk off the job on thursday. more than 100 cities are expected to take part. >> they want pay to rise to $15 an hour. >> police in mexicoav